Yes. Under long term disability insurance, if you become disabled within the first 12 months of your coverage becoming effective, the plan will not cover a sickness or accidental injury for which you received treatment, consultation or care, or took medications or were prescribed medications in the three months prior to your participation in the plan.
Please note that the long term disability insurance FAQs are for state employees only. The state of Tennessee does not offer long term disability insurance to higher education employees. If you are a higher education employee, direct questions on LTD to your agency benefits coordinator.